Individual Savings Accounts (ISAs)

Get the most out of your annual tax-free allowance with our ISA accounts.

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What is an ISA?

An ISA, or individual savings account, is a ‘wrapper’ that shelters your investments from tax – helping your money grow more quickly. The government sets a maximum amount that you can invest in ISAs each year.

ISAs are a simple, tax-free way to help your money grow. Unlike cash ISAs, all our ISAs are invested, so you’re not relying on interest rates alone, putting you in control.

We offer a range of ISAs, and opening one with us is quick and easy. No matter your reason, we’ll get you set up in no time.

See ISA accounts
  • £20,000 annual ISA allowance
    Invest up to £20,000 per tax year, as part of your personal allowance.
  • All growth is tax-free
    No matter how much your money grows, you keep all of it. Any growth to your money is tax-free.
  • Wide range of investments
    Choose from funds, shares in companies, specialist investment trusts, index-tracking exchange traded funds (ETFs), as well as bonds and gilts.
  • Multiple accounts
    Invest in one type of ISA or spread your annual allowance across as many ISAs as you like. Even if you hold an account elsewhere, you can still open an AJ Bell ISA.

Our range of ISA accounts

With your annual £20,000 allowance (£9,000 for under 18s), invest your money tax-free across as many ISAs as you like – including a maximum investment of £4,000 in a Lifetime ISA.

Stocks and shares ISA 

Our most popular ISA account offering the greatest flexibility and investment limits.

Key benefits:  

  • Invest up to £20,000 each tax year
  • Easy withdrawals
  • You can hold multiple Stocks and shares ISAs
  • Transfer from another provider without affecting your allowance 
  • Get started with as little as £25 

Eligibility:

  • Aged 18+

Lifetime ISA

Our ISA for first-time buyers or those saving for retirement.

Key benefits:  

  • Invest up to £4,000 per tax year 
  • Get a 25% bonus every year, up to £1,000
  • Tax-free withdrawal for first-time buyers  
  • Tax-free withdrawal for retirement, accessible from 60 
  • Receive an annual bonus up until you’re 50  
  • Get started with as little as £25 

Eligibility:

  • Aged 18-39 to open an account 

Junior ISA

Give the little one in your life a big boost with our low-cost junior account.

Key benefits:  

  • Invest up to £9,000 per tax year  
  • Money safely locked away until the child is 18 years old
  • Can be opened by parents or guardians  
  • Anyone can pay into it 
  • Get started with as little as £25 

Eligibility:

  • Aged under 18

Introduction to ISAs video
An introduction to ISAs

Learn about the different types of ISAs, including how they work and their key benefits, to help you decide which one might be right for you.

Transfer an ISA

When you transfer an ISA to AJ Bell, we’ll do the hard work for you. Here’s what you need to know about ISA transfers before you get started.

Transferring a Child Trust Fund

If your child's outgrown their trust fund by turning 18 or if you're looking for more control on how it's invested, it may be time to consider transferring to a Junior ISA or an adult's Stocks and shares ISA.

Transfer a Child Trust Fund

Still not sure about opening an ISA?

We get it. Deciding what to do with your hard-earned money can be difficult, especially if you’re unsure where you should invest it. Here, our in-house experts help you by sharing their investing knowledge.
Which ISA is best

Which ISA is best?

We weigh up each account, to help you decide which is best for you.

ISAs vs SIPPs

ISAs vs SIPPs

All you need to know about ISAs and Self-invested personal pensions.

Multiple ISA accounts

How many ISAs can I have?

A look at the allowances and limits of having multiple ISA accounts.

See more in our Learn hub

We're here to help you invest

We’ve been helping our customers put their money to work for over 30 years. And with over 620,000 customers, that’s a lot of people taking control of their financial futures. 

We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re a Which? Recommended provider seven years running, 2019-2025. 

So, when you're ready to feel good, investing, we're here to help.
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